Optimalisasi alokasi kredit Bank Rakyat Indonesia Kantor Wilayah Semarang

HERNOWO, Hastu, Dr.Ir. Slamet Hartono, SU.,MSc

2004 | Tesis | Magister Manajemen Agribisnis

Penelitian ini bertujuan untuk mengetahui dan membuktikan bahwa penyaluran pemberian kredit di BRI Kantor Wilayah Semarang belum optimal. Hipotesis yang diajukan adalah : 1. Diduga alokasi jumlah kredit komersial, kredit konsumtif, dan kredit program yang disalurkan oleh masing-masing kantor cabang belum optimal. 2 . Diduga laba yang diperoleh oleh BRI di wilayah kerja Kantor Wilayah Semarang belum maksimal. Subyek penelitian adalah penyaluran kredit komersial, kredit konsumtif, dan kredit program di tujuh kantor cabang BRI wiilayah Semarang yaitu Semarang Mura, Semarang Pandanaran, Kendal, Demak, Purwodadi, Ungaran, dan Salatiga tahun 2002 dan tahun 2003. Pengumpulan data dilakukan dengan cara mengambil data sekunder pada laporan bulanan BRI Kantor Wilayah Semarang meliputi: 1) Jumlah simpanan di tujuh kantor cabang wilayah BRI Semarang; 2)Jumlah kredit yang disalurkan di tujuh kantor cabang wilayah BRI Semarang; 3) Persentase bunga simpanan di tujuh kantor cabang wilayah BRI Semarang; dan 4)Persentase bunga pinjaman di tujuh kantor cabang wilayah BRI Semarang.Metode statistik yang digunakan adalah analisis linear programming tanpa kendala. Hasil penelitian menunjukkan bahwa memang benar alokasi kredit komersial, kredit konsumtif, dan kredit program belum optimal. Setelah dilakukan perencanaan penyaluran kredit secara optimal diperoleh peningkatan laba maksimal tahun 2002 meningkat dari Rp 35 milyar menjadi Rp Rp 81 milyar, dan tahun 2003 dari Rp 69 milyar menjadi Rp 80 milyar.

The objectives of this research are to find and prove that the distribution of credits’ extension at BRI of Semarang Regional Office has not been optimal yet. The hypotheses to be submitted are: 1. It is assumed that the allocation of the amount of commercial credits which are distributed by each BRI branch office in the working area of the Semarang Regional Office has not been optimal yet; 2. It is assumed that the profit gained by BRI at working area of the Semarang Regional Office has not been optimal yet. The subjects of this research are the distribution amount of commercial credits, consumptive credits, and program credits at seven BRI branch offices at Semarang’s working area. Those branches are Semarang Mura, Semarang Pandanaran, Kendal, Demak, Purwodadi, Ungaran, and Salatiga branch offices in the years of 2002 and 2003. Data collecting is done by collects secondary data in monthly reports of BRI of Semarang Regional Office that include: 1) The amount of the savings at seven BRI regional branch offices of Semarang; 2) The amount of the credits that are distributed at seven BRI regional branch offices of Semarang; 3)The percentage of saving interests at seven BRI regional branch offices of Semarang; and 4) The percentage of loan interests at seven BRI regional branch offices of Semarang. Statistic method used in this research is linear programming analysis without obstacle. The results of the research proof that the allocation of commercial credits, consumptive credits, and program credits have not been optimal yet. After optimally conducting a profit planning, the results were maximal increase of profit from 35 billion rupiahs to 81 billion rupiahs in 2002 and from 69 billion rupiahs to 80 billion rupiahs in 2003.

Kata Kunci : Agribisnis,Optimalisasi Kredit Bank BRI, Kredit, alokasi kredit yang optimal, maksimalisasi laba, Credit, optimal credit allocation, profit maximizing.